Protects against third-party bodily injury and property damage claims arising from your premises or operations. Coverage parts of General Liability are as follows:
Provides protection against claims involving false arrest, detention, malicious prosecution, libel, slander or defamation of character.
Protects against claims arising from the selling, distribution, serving or give-away of any type of product.
Fire Legal Liability
Protects you if you do not own the building you occupy, the owners or building management, or their insurance companies, could hold you legally liable in the event of fire damage, due to your negligence, to the premises you occupy.
Provides for the reimbursement of medical expenses for a third-party injury on your premise regardless of your legal liability. For instance, a member trips over his own feet, falls and cuts his hand. You are not technically legally liable, but would probably like to offer to pay his medical bills. Medical Payments would over this exposure.
Other important considerations regarding General Liability coverage are as follows:
- Your employees and volunteers should be included as additional insureds.
- If you lease, the lease agreement my require that the landlord is named as an additional insured.
- If you publish standards, check to be certain that your liability coverage would respond to a bodily injury or property damage claims resulting from such standards.
- Your liability coverage should be extended to cover all meetings and conventions. Let us know if your event is occurring outside of the U.S.